Hawke's Bay
Mortgage brokers in Hawke's Bay
Our regional advisers work with clients across Napier, Hastings, Havelock North, Taradale, Clive and wider Hawke's Bay, with our head office in Auckland behind every application. We compare lenders for first homes, investment property, refinancing, building and development, commercial property and business funding.
Borrowing in Hawke's Bay: what to know
- Land categories after Cyclone Gabrielle. Since 2023, flood-affected areas have been placed in risk categories. Lenders and insurers check a property's category and the LIM, and Category 2 areas may need mitigation work.
- Repairs and rebuilds. We arrange finance for repairs, rebuilds and raising homes, alongside insurance payouts.
- Lifestyle and seasonal income. Lifestyle blocks and seasonal or horticulture incomes need a lender that understands them, with the right evidence.
- Meet the way that suits you. In person by appointment with a regional adviser, or by video and phone.
What we help with in Hawke's Bay
- First home buyers: the loan, guidance on the property and specialists when you need them
- Investment property loans and refinancing
- Building a home and property development finance
- Commercial property and business funding
- Debt restructuring and debt consolidation
Talk to us on 09 280 7555 or office@mutualtrust.co.nz, or book a discovery call so your adviser is ready for you.
Questions people in Hawke's Bay ask
Can I get a mortgage on a Category 2 property in Hawke's Bay?
Often, yes, but lenders want to know what mitigation is planned or done, and that the home can be insured. Check the category and the LIM early.
Do you help with seasonal or horticulture income?
Yes. Lenders usually want a track record, often two years of income, and some are more flexible than others.
Can you finance a lifestyle block in Hawke's Bay?
Often, yes. Smaller blocks can usually be financed like a home, while larger or income-earning blocks may need rural or specialist lending.
How much does a mortgage broker cost?
Lenders pay us a commission when your loan settles. We may charge a fee in some cases, depending on your situation, and we always agree it with you up front. How we're paid
Can I meet an adviser in person in Hawke's Bay?
Yes, by appointment with one of our regional advisers, or by video and phone if that suits you better.